Mobile home insurance, also called manufactured home insurance, protects a factory-built home, the things inside it and your liability if someone is hurt. These homes need their own policy because carriers look at the year built, how the home is set up and anchored, and whether it sits in a park or on private land. Since 2005, Portsmouth Atlantic Insurance has helped mobile and manufactured homeowners on the New Hampshire Seacoast and in Fairfield County, Connecticut compare options across 30+ carriers. Tell us about your home and our licensed team will shop it for you. Request a mobile home insurance quote.
Key takeaways
- Mobile and manufactured homes are insured on a specialty policy (often an HO-7 or a carrier's own mobile home form), not a standard homeowners policy.
- Flood is excluded. You can add NFIP or private flood coverage, and NFIP coverage usually starts 30 days after purchase.
- Wind, anchoring and tie-downs matter on the coast. Nor'easters are a real risk in both Portsmouth and Stratford.
- Older homes can often be insured, but how a claim is valued and which carriers will offer coverage vary by carrier.
- Park and private-lot homes need different coverage. In New Hampshire, RSA 205-A governs park tenancies; in Connecticut, it is Chapter 412 of the General Statutes.
Get a mobile home insurance quote for your NH or CT home
Send us the year, make and size of your home and where it sits. A licensed agent will compare carriers for you and call you back. Prefer to talk? Call (603) 431-4020.
What does mobile home insurance cover?
A mobile or manufactured home policy has the same basic parts as a homeowners policy, written for a home built on a steel chassis in a factory. Here is how it usually breaks down. Your policy wording, endorsements and carrier decide what actually applies.
| Usually covered | Usually not covered | Ask us about |
|---|---|---|
| The home itself, including attached decks, porches and carports | Flood and rising water (needs a separate flood policy) | Replacement cost vs. actual cash value on the home |
| Other structures such as sheds and detached garages | Wear and tear, rust, rot and lack of maintenance | Wind and hail terms and any separate wind deductible |
| Personal belongings (contents) | Earth movement, unless endorsed | Water and sewer backup coverage |
| Additional living expenses after a covered loss | Moving the home to a new site, unless endorsed | Trip collision or transportation coverage if you plan to move the home |
| Personal liability and guest medical payments | Business activity in the home, unless endorsed | Coverage for tie-downs, skirting, steps and debris removal |
If you own a modular home built to state and local building codes, it is usually insured on a standard homeowners insurance policy instead. Our New Hampshire guide explains how mobile, manufactured and modular homes differ for insurance.
Is mobile home insurance required?
Lenders almost always require insurance when you finance a mobile or manufactured home, and they will ask for proof before closing. Many manufactured housing parks also require residents to carry insurance, usually liability coverage, as part of the lot rental agreement. If you own your home outright on your own land, the decision is yours. Without a policy, though, you would pay out of pocket to repair or replace the home after a fire, a windstorm or a fallen tree, and for any injury claim made against you.
How does mobile home insurance handle wind and Nor'easters?
Nor'easters, coastal storms and summer thunderstorms bring strong wind to both the Seacoast and the Long Island Sound shore. Manufactured homes have a lighter frame and a lower profile than site-built homes, so carriers pay close attention to wind.
What to check in your policy
- Whether wind and hail are included, and whether a separate wind or named-storm deductible applies.
- Whether roof damage is paid at replacement cost or at actual cash value, which subtracts depreciation.
- Coverage for fallen trees and debris removal, which are common after a winter storm.
- Coverage for awnings, carports, skirting and steps, which wind often damages first.
Coastal exposure
Homes closer to the water, or in towns with more storm history, can see fewer carrier options or different wind terms. That is one reason to compare more than one carrier. After a storm, take photos, make temporary repairs to prevent more damage and report the claim promptly. The Connecticut Insurance Department's storm-claim guidance (listed in our sources) is a useful checklist in either state.
Does mobile home insurance cover flooding?
No. Like standard homeowners policies, mobile and manufactured home policies exclude flood. You can buy flood coverage separately, and manufactured homes are eligible for it.
NFIP and private flood
The National Flood Insurance Program (NFIP) insures manufactured homes in participating communities. Private flood policies are another option, and some offer different limits or contents coverage. We can compare both. FloodSmart notes that NFIP coverage generally starts 30 days after purchase, with exceptions such as buying in connection with a mortgage. See our flood insurance options for NH and CT.
Mobile homes in flood zones
If your home is in a FEMA Special Flood Hazard Area (an A or V zone) and you have a federally backed loan, your lender will require flood insurance. Federal floodplain rules (44 CFR 60.3) also require manufactured homes placed in flood zones to be elevated and anchored to resist flotation, collapse and lateral movement. That is on top of state wind anchoring rules. You can look up your flood zone on the FEMA Flood Map Service Center, and we can help you read the map.
Are my belongings covered?
Personal property (contents) coverage pays for furniture, clothing, electronics, appliances that are not built in, and other belongings damaged by a covered loss. Many policies cover belongings at actual cash value, which subtracts depreciation, unless you add replacement cost coverage for contents. Jewelry, firearms, collectibles and other valuables often have low sub-limits, so tell us about them. A quick phone video of each room makes a claim much easier. Remember that flood damage to contents needs flood coverage too.
Park vs. private lot: what changes?
Homes in a manufactured housing park
In a park, you usually own the home and pay lot rent for the space. The park owner is responsible for the land, roads and common areas. Your policy covers your home, belongings and personal liability. Read your rental agreement and park rules for any insurance requirement, such as a minimum liability limit or naming the park, and any rules on skirting, sheds and tie-down equipment. Ask whether additional living expense coverage would help with costs like continuing lot rent while you live elsewhere after a covered loss.
Homes on private land
If you own the lot, your liability covers the whole property, including driveways, wells and trees. You may need more other-structures coverage for a garage, barn or large shed. Lenders may also require coverage that matches the loan. If the home is on a permanent foundation and titled with the land, tell us, because it can change which carriers and policy forms fit.
Why do tie-downs and anchoring matter for insurance?
Anchoring holds the home in place against wind and water. Insurers ask about it because a properly set and tied-down home is far less likely to shift or overturn in a storm. Expect questions about how the home is supported (piers, slab or permanent foundation), whether the tie-downs and ground anchors are in good condition, and whether skirting is intact. Keep your installation paperwork, warranty seal or inspection records, and any photos of the anchors. Both New Hampshire and Connecticut have state rules on installation and park standards, covered below.
Insurance for older mobile homes: age and value considerations
Many people searching for insurance for older mobile homes worry they will be turned away. Often they are not, but the options change. These are general market considerations. Every carrier sets its own guidelines, and we do not publish any carrier's underwriting rules.
- Year built. Homes built before the federal HUD Code took effect on June 15, 1976 are usually called mobile homes; later homes are manufactured homes. Older homes may have fewer carrier choices.
- Updates and condition. Updated roofs, heating systems, electrical and plumbing, and well-kept skirting and tie-downs can widen your options.
- How claims are paid. Some policies for older homes pay actual cash value rather than replacement cost, which can mean a smaller payout after a total loss.
- Value and limits. Carriers may cap the dwelling limit or base it on the home's value or replacement cost. Ask how the limit was set and what it would buy today.
- Supporting documents. The data plate, HUD label or serial number, and photos help us place the home correctly.
How much does mobile home insurance cost?
We don't publish prices, because two similar homes can get very different quotes. These are the main things that affect your premium:
- Location, including distance to the coast, flood zone and local claim history
- Year built, size, construction and condition
- Anchoring, foundation type and skirting
- Park or private lot, and whether the home is your primary residence, seasonal or rented out
- Coverage limits, replacement cost or actual cash value, and your deductibles
- Your claims history and, where allowed, insurance score
- Discounts such as bundling with auto, and safety features like smoke detectors
The way to find your number is a quote for your specific home.
Mobile home insurance in New Hampshire: the Seacoast
From parks in Portsmouth and Hampton to homes on private land in Exeter and Rye, Seacoast manufactured homes face the same few threats every year: Nor'easters, heavy snow on low-pitched roofs, ice dams, frozen pipes and, near the marshes and beaches, coastal flooding. Many homes also heat with oil, so ask about coverage for a leaking tank or fuel spill, which many policies limit. Our Portsmouth, NH office works with homeowners across Rye, Hampton and Exeter.
NH park rules: RSA 205-A
- Park owners must disclose all rent, utility and service charges in writing before you sign, and must give at least 60 days' written notice of an increase (RSA 205-A:6).
- A park cannot make you buy skirting or tie-down equipment from a particular seller. It can set the style or quality by rule, and you choose the vendor (RSA 205-A:8).
- Residents have the right to sell their home in the park, and the park owner cannot unreasonably refuse to approve the buyer (RSA 205-A:2).
- Before a park is sold, the owner must give tenants 60 days' notice (RSA 205-A:21).
NH installation rules: RSA 205-D and Inst 700
Under RSA 205-D, manufactured homes covered by the law must be installed by a licensed installer (RSA 205-D:7). The Installation Standards Board's rules (Inst 700, Manufactured Housing Installation Standards) cover site preparation, piers and footings, anchoring and security against wind (Inst 703.12), skirting and utility connections. If your home was set or moved recently, keep the installer's paperwork. It helps when you apply for insurance and after a claim.
Next steps for NH homeowners: compare New Hampshire homeowners insurance, check flood insurance on the Seacoast, and read our guide to mobile home insurance in New Hampshire.
Mobile home insurance in Connecticut: Stratford and Fairfield County
Along the Long Island Sound coast, from Stratford and the Housatonic River to the rest of Fairfield County, mobile manufactured homes face wind from coastal storms and, in low-lying areas, tidal and storm-surge flooding. Our Stratford, CT office at 160 1st Ave, Stratford, CT 06615 serves homeowners in Stratford, Fairfield and nearby shoreline towns.
CT park rules: General Statutes Chapter 412
- Connecticut law uses the term "mobile manufactured home," and any reference to a mobile home in the statutes means a mobile manufactured home (Sec. 21-64a).
- Parks must be licensed by the Department of Consumer Protection, which inspects each park every year (Secs. 21-65a and 21-67).
- Before you sign, the park owner must give you a disclosure statement covering the monthly rent and other charges. Rental agreements must be in writing and generally run at least one year (Sec. 21-70).
- If the home or lot is in a common interest community, the declarant must tell you in writing before you rent (Sec. 21-70(c)).
- Proof of ownership is filed with the town clerk, and a removal statement must be filed at least 72 hours before a home is moved out of a park or off a lot (Sec. 21-67a).
- A park owner cannot require you to remove a safe, sanitary home that meets the park's aesthetic standards when you sell it (Sec. 21-79).
For insurance, keep your title or bill of sale, the disclosure statement and your rental agreement together. They show who owns what, which helps define what your policy should cover and what the park is responsible for.
Next steps for Connecticut homeowners: review Connecticut homeowners insurance and homeowners insurance in Stratford, check coastal home and flood insurance in Connecticut, and read our Connecticut mobile and manufactured home insurance guide.
Which carriers do you use for mobile and manufactured homes?
As an independent agency, we place most mobile and manufactured homes with Foremost, American Modern and Aegis. Depending on the year built and other factors, Vermont Mutual, Concord Group and Openly can also be options. Availability and coverage vary by carrier, state and home, so we compare them for you rather than steering you to one company.
Why work with Portsmouth Atlantic Insurance?
- An independent agency since 2005, licensed in 10 states
- Access to 30+ carriers, so we can shop your home instead of fitting it to one company
- The most-reviewed independent insurance agency in New Hampshire, with 1,000+ Google reviews, and over 2,000 testimonials
- Licensed teams in Portsmouth, NH and Stratford, CT
Ready to compare mobile home insurance?
Seacoast NH: talk to our Portsmouth team at (603) 431-4020. Connecticut: our Stratford office at 160 1st Ave, Stratford, CT 06615, same number, (603) 431-4020. Or send your details online and we will shop your mobile or manufactured home with multiple carriers.
Frequently asked questions
Is mobile home insurance required in New Hampshire or Connecticut?
If you finance your mobile or manufactured home, your lender will almost always require insurance before closing. Many manufactured housing parks also ask for proof of insurance in the lot rental agreement. Even when no one requires it, a policy is what pays to repair or replace the home, replace your belongings and cover liability if someone is hurt on your property.
What does manufactured home insurance cover?
Most mobile and manufactured home policies cover the home itself, attached structures, other structures such as sheds and decks, your personal belongings, additional living expenses after a covered loss, and personal liability and guest medical payments. Flood is not covered and needs a separate flood policy. Coverage for wind, water backup and replacement cost depends on the policy you choose.
Can I insure an older mobile home?
Often, yes. Older mobile homes can usually be insured, but the carrier choice, how claims are valued (replacement cost or actual cash value) and the coverage limits may change with the year built, the condition of the roof, heating, electrical and plumbing, and how the home is anchored. Every carrier sets its own guidelines, so we compare several options for your specific home.
How much does mobile home insurance cost?
There is no single price, and we do not publish rates. Your premium depends on where the home sits (including coastal and flood exposure), its year built, size and condition, how it is anchored, whether it is in a park or on private land, the coverage and deductibles you choose, and your claims and insurance history. A quote for your exact home is the only reliable number.
Does mobile home insurance cover flooding?
No. Standard mobile and manufactured home policies exclude flood. Manufactured homes can be insured through the National Flood Insurance Program or a private flood policy. NFIP coverage generally takes effect 30 days after purchase unless an exception applies, so it is best to buy before a storm is in the forecast.
Does it matter if my home is in a park or on my own land?
Yes. In a park, you insure the home, your belongings and your liability, while the park owner handles the land and common areas, and the park may set insurance or skirting and tie-down rules. On your own land, you may also need coverage for sheds, garages, driveways and trees, and your liability extends to the whole lot. Tell us which applies so the policy fits.
Related guides
- Tips before buying mobile home insurance in New Hampshire
- Mobile and manufactured home insurance in Connecticut: a guide
- Flood insurance on the Seacoast of NH
- Coastal home insurance in Connecticut
Next step: request a mobile or manufactured home insurance quote.
Sources
- New Hampshire General Court, RSA Chapter 205-A: Regulation of Manufactured Housing Parks
- New Hampshire General Court, RSA Chapter 205-A (full text)
- New Hampshire General Court, RSA Chapter 205-D: Manufactured Housing Installation Standards
- New Hampshire Administrative Rules, Inst 100-700 (Installation Standards Board), incl. Inst 700 Manufactured Housing Installation Standards
- NH Office of Professional Licensure and Certification, Installation Standards Board for Manufactured Housing Laws and Rules
- Connecticut General Assembly, Chapter 412: Mobile Manufactured Homes and Mobile Manufactured Home Parks
- Connecticut Department of Consumer Protection, Licensing for Mobile Manufactured Homes
- Connecticut Insurance Department, Homeowners Storm Claims
- eCFR, 44 CFR 60.3: Flood plain management criteria for flood-prone areas
- FloodSmart (NFIP), Buy a Flood Insurance Policy
- FEMA Flood Map Service Center
- U.S. Department of Housing and Urban Development, Manufactured Housing Homeowner Resources
State rules summarized as of October 3, 2026. This page is general information, not legal advice or a coverage guarantee. Your policy wording controls.